Every Singaporean is aware of the costs involved in owning a car. Due to the government’s initiative in controlling the economy as well as the car population, even the cheapest car in the market can be a luxury. 

An average Singaporean spends between S$150 to S$250 for a month on petrol. Sometimes, the petrol cost can increase depending on the regularity of your use and the fuel price. However, with the right petrol credit cards, your petrol costs can be reduced. 

The right petrol credit card will not only help you save money, but also earn other privileges in the form of rewards and rebates. 

Here’s a list of top petrol credit cards that you can find in Singapore. 

UOB One Card

How often do you fuel up at Shell or SPC? If your answer is always, then the UOB One Card will have to be your prime choice. You can earn up to 24% discount at SPC stations and up to 20.8% at Shell stations. Don’t worry if you are running late and could not locate the nearest SPC or Shell stations as you still get a 5% cash rebate. 

For those who are already spending more than S$2,000 every month for every expense possible, this card will be your best financial buddy. You get a maximum cash rebate of 5% when you spend on everything including your petrol. 

Of course, your perks are not just limited to petrol savings. You also have up to 10% cash rebates on groceries at any Dairy Farm merchants and 5% rebates on shopping. This card comes with a one-year annual fee waived and other benefits that will definitely increase your monthly savings. 

OCBC 365 Credit Card

This card is packed with the best deals on petrol costs. With a minimum spend of S$800 on your monthly purchases, 5% cashback is rewarded to you for both local and overseas petrol costs. 

The OCBC 365 credit card is suitable for family and working adults. The maximum petrol cashback can be earned when you fill up your car petrol at either Caltex or Esso stations. For regular Caltex customers, you can get up to 23% discount. Besides that, you can earn up to 20.4% petrol discount at Esso. 

Drive yourself to as many dine-ins as you wish and let your credit card reward you 6% cashback. The cashback also applies to food delivery orders you make with Deliveroo and Foodpanda. The cashback rate can even be used when you travel abroad. 

With up to S$200,000 complimentary travel insurance coverage on personal accidents and two years annual fee waived, this card can be highly rewarding. 

Standard Chartered Unlimited Cashback Credit Card

With up to 21.04% discount on petrol at Caltex, the Standard Chartered Unlimited Cashback credit card can give you more than just fuel savings. 

If the discount on petrol is not enough to convince you, Standard Chartered also offers its cardholders a 1.5% flat cashback rate on every other spend you make. The best part of earning the cashback is that you will not have to worry about the cashback cap nor your minimum spending limit. 

The petrol discount can also earn you plenty of trips to your favourite restaurants and shopping malls all around Singapore and Asia. As there are more than 3,000 outlets for you to spend and earn cashback, you can save some money with this card. 

HSBC Visa Platinum Credit Card

For more conservative monthly spending, the HSBC Platinum credit card is a better option. Your cashback earnings can easily reach S$250 for every quarter with a minimum of S$600 spent every month. 

Up to 20.2% worth of petrol discount can be earned at Caltex and Shell petrol stations. Your petrol costs can efficiently be reduced when you fill up your car petrol at these petrol stations. 

Not to forget the 5% cash rebates given to spends made on dining, groceries, shopping, and more. You also get to earn rewards points for every S$1 you spend on any of these categories. This credit card is suitable for families and individuals on a strict budget.

As new cardholders have two years annual fee waivers, you are already saving more than you think.  

DBS Esso Card

DBS stands to be one of the many banks to offer you a credit card especially for petrol. You can sign up for this DBS Esso credit card even if you already have another credit card that covers other expenses. 

The seasonal promotion is rewarding up to 21.02% of petrol rebates at Esso stations. And, your reward does not end here. You will be auto-enrolled into the Esso Smiles Driver Rewards programme. Under this loyalty programme, you can earn up to 2.4% additional fuel savings discount. 

You also have Smiles Points to be earned for every litre of Synergy fuel you pay for at any Esso stations on the island. With a minimal Smiles Points of 300, you are already eligible to enjoy S$10 instant fuel redemption. S$30 fuel redemption is yours when your Smiles Point reaches 750.  

Up to S$110 fuel savings can also be earned when you spend S$180 within the first three months of your credit card use. The first-year annual fee waiver comes in handy with more chances for you to earn discounts and Smiles Points at Esso stations. 

Citi Cash Back Card

Whether you are using it to pay for your food or your petrol, you will have the liberty to enjoy a fuss-free experience with Citibank’s Citi Cash Back Card. 

Regular Esso and Shell customers can enjoy up to 20.88% worth of fuel savings within Singapore and overseas. As you fuel up at any Esso stations on the island, you get a 5% site discount, 5% Esso Smiles discount, 4% Citi card discount, and 8% cashback! With the same discounts applied at Shell stations, you are not only earning petrol discounts, but you also earn cashback every month. 

As long as your monthly expenses are beyond S$800, you get 8% cashback for dining, groceries, and petrol spends all around the world. The card comes with a first-year annual fee waived off and up to S$1,000,000 coverage for travel ticket purchases. 

Fuel up with the right petrol credit cards

Fuel can take up a lot of your monthly budget if you do not watch out. One of the most effective ways to reduce your monthly fuel cost is by using the right petrol credit cards at petrol stations.